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Assuming your credit scores are within the required range for getting the lowest rates available, I think there is a very good chance you can achieve your stated goals of getting a newer house at a better rate.

Aside from credit scores, other variables include the age, location, size, and level of interior finishes and architectural features you'd like to have. There are brand new homes that have never been lived in that you may qualify for.

If you have some examples of communities you're interested, or are open to, I'd be happy to provide you with some listing information to give you an idea of what some of your options might include. If you're interested, please contact me at the number or email address below

Congratulations on paying off your debt! That is quite an accomplishment these days. This should make a difference in your credit score. There are some quirks in the credit score system. One thing I have learned is that hey would rather you pay off your credit card accounts and keep them active. Don't close the accounts if you have not already. There is something in the system that sees closing accounts as a negative. An account that is paid regularly and kept under fifty percent of the available credit is more favorable as far as raising your score.

Speak to a lender now and see how your score looks to them. One other thing to consider is that the 'free credit report' systems can give you an idea of your score, but the lenders credit report will be somewhat different. Call my in-house lender. Joe Massey - 303-809-7769 and let him know I referred you from this Trulia site. Let me know if I can help you further.